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Trip-related Benefits |
Medical Benefits |
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Trip Cancellation |
Emergency Evacuation |
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Missed Connections |
Accidental Death, Disability, and Injury |
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Loss of Passport, Baggage |
Personal Accidents |
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Bounced Bookings |
Repatriation of Remains in case of death |
Now that you know what travel insurance is, let’s understand the types of travel insurance plans available in the market.
An Individual travel insurance plan is suitable for those on a solo trip. When travelling on your own, you must stay protected against all the risks of being a solo traveller.
If you want to go abroad on an educational basis, this plan is for you. Designed to keep a student’s needs in mind, a student travel insurance plan offers beneficial covers for your trip, education, and medical necessities at minimum expense.
If you’re planning a trip with your friends, colleagues, or family, then instead of purchasing individual travel insurance for every member, a group travel insurance plan can come in handy. It reduces costs while providing the same benefits for all travellers.
Travelling above the age of 60 trails its risks along. That’s why a travel plan designed specifically for senior citizens saves you from unexpected issues like medical expenses, age or health-related, along with other benefits.
Domestic travel insurance is a type that is applicable if the insured is travelling within national boundaries.
International travel insurance is helpful for travelling abroad regardless of the purpose or duration of stay. In many countries, it is mandatory to have travel insurance with you while applying for your visa. This protects you from any unforeseen expenditure.
Schengen travel insurance applies to 26 Schengen countries. It is mandatory to have travel insurance when travelling to any country within the Schengen zone.
Let’s look at an example to understand better: Say you’ve had to cancel your trip a day or two before it starts because you suddenly fell sick or met with an accident and are hospitalized. You’ve informed flight and accommodation authorities about the same, but they say it is too late to receive a refund. You’re losing money! But don’t worry; your travel insurance will cover you if there is any non-refundable amount when you file a claim.
When any incident hampers your trip, your travel insurance acts as a security blanket by protecting your finances.
The role of your Travel Insurance is to protect and assist you in times of difficulty financially. Some of the advantages and benefits of buying a travel insurance plan are:
Lets you have a stress-free trip: With a Travel Insurance plan, you can enjoy your vacation to the fullest and not worry over losing additional money in case of emergencies. If there is any damage, theft, or last-minute cancellations, your travel insurance has your back!
The best document to own during Medical Emergencies: If you require hospitalization abroad due to any accident or sickness, your comprehensive travel insurance can assist in paying your medical bills. We know how costly availing of medical treatment abroad is.
It covers Personal Liability: Personal liability is the damage done to a third person by the insured. The definition of damage differs from insurer to insurer. These damages occur accidentally, especially on international travel and can burn a hole in your pocket to pay the expense.
Wide range of covers for your perfect trip: Best Travel Insurance plans have a wide range of covers from loss of passport/baggage to last-minute flight issues due to medical emergencies, natural disasters etc.
Every travel insurance plan differs from insurer to insurer. To better understand the plan you chose, you must always read your policy document carefully and thoroughly. With Digit, we offer a comprehensive International Travel Insurance plan with many coverages at a reasonable price. Take a look at our coverages and exclusions below:
Offers coverages for the most common mishaps that can be encountered on an international trip.
This plan not only covers you for the most common mishaps on your trip but also keeps you protected from each hiccup, so your trip goes just how it should!
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Medical Cover |
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Emergency Accidental Treatment & Evacuation Accidents occur at the most unexpected times. Unfortunately, we can’t save you there, but we can surely help you get the best treatment. We cover you for immediate medical treatment that results in hospitalization. |
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Emergency Medical Treatment & Evacuation God forbid if you fall ill during your trip in an unknown country, don’t panic! We will take care of your treatment costs. We will cover you for expenses like hospital room rent, operation theatre charges, etc. |
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Personal Accident We hope this cover is never required. But for any accident during the trip, resulting in death or a disability, this benefit is there for support. |
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Daily Cash Allowance (Per day/Max 5 days) When on a trip, you manage your cash efficiently. And we do not want you to shell out anything extra for emergencies. So, when you are hospitalized, you get a fixed daily cash allowance per day, to manage your daily expenses. |
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Accidental Death & Disability While this cover has everything like the emergency accidental treatment cover, it has one extra layer of protection. It also covers death & disability while boarding, de-boarding or are inside the flight (Touchwood!). |
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Emergency Dental Treatment If you encounter acute pain or meet with an accidental injury to your teeth on the trip, resulting in emergency dental treatment provided by a medical practitioner, we will cover you for the expenses incurred due to the treatment. |
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Smooth transit covers |
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Trip Cancellation If unfortunately, your trip gets cancelled, we cover the pre-booked, non-refundable expenses of your trip. |
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Common Carrier Delay If your flight gets delayed by more than a certain time limit, you get the benefit amount, no questions asked! |
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Delay of Checked-in Baggage Waiting at the conveyor belt is annoying, we know! So, if your checked-in baggage is delayed for more than 6 hours, you get the benefit amount, no questions asked! |
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Total loss of Checked-in Baggage The last thing that can happen on a trip is your baggage getting lost. But if something like this happens, you get the benefit amount for the entire baggage getting permanently lost. If two out three bags are lost, you get a proportional benefit, i.e. 2/3rd of the benefit amount. |
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Missed Connection Missed the flight? Don’t worry! We will pay for extra accommodation and travel needed to reach the next destination shown on your ticket/itinerary if, you miss a pre-booked onward flight because of a delay in the flight. |
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Flexible Trip |
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Loss of Passport The worst thing to happen in an unknown land is to lose your passport or visa. If something like this happens, we reimburse the expenses, if it is lost, stolen or damaged while you are outside of your country. |
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Emergency Cash If on a bad day, all your money is stolen, and you need emergency cash, this cover will come to your rescue. |
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Emergency Trip Extension We don’t want our vacations to end. But we don’t want to stay in a hospital too! If due to an emergency during your trip, you need to lengthen your stay, we will reimburse the cost of hotel extensions and return flight rescheduling. The emergency could be a natural calamity in your travel area or an emergency hospitalization. |
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Trip Abandonment In case of emergency, If you had to return home early from your trip, that would be really sad. We can’t fix that but we will cover charges for alternate travel arrangements and non-refundable travel costs like accommodation, planned events and excursion expenses. |
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Personal Liability & Bail Bond Due to an unfortunate incident, if there are any legal charges against you while you are travelling, we will pay for it. |
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Coverage option suggested above is only indicative and is based on market study and experience. You may opt for any additional coverages as per your requirement. Please call us at 1800-258-5956 in case you want to opt for any other coverages or wish to know further details.
To read about the policy in detail please click here.
While ours is a travel insurance that covers most things that could go wrong on vacation, we are completely open in all that we do. Understanding what your travel insurance does not cover is just as critical as knowing what is covered. The following are some exclusions that our travel insurance will not cover:
Since every plan is unique in the market, here are some tips you can use to compare travel insurance plans. Before you finalize buying your Travel Insurance, here are the basic ABC’s that you should consider:
The price of your plan should justify the benefits that come along with it. Your plan should not cost an excessive amount with poor coverage.
Some important covers like passport and baggage loss, trip-related benefits, medical coverage, personal liability and bail bond need to be a part of your plan. You should also be educated on the exclusions of your policy.
Another vital aspect is your policy’s compatibility with You! Look at the company’s credibility and claim settlement ratio while choosing the right plan to ensure a smooth process. Claims are the whole point of getting insurance. Therefore, check for claim settlement processes and the company’s ratio so you can trust that your travel insurer will always be there for you.
Once you know how to have checked all these parameters, you can buy the best plan that suits your needs. At Digit, you get a great plan that covers all your needs at an affordable price. With the entire process being completely digital, you can purchase your policy or file a claim with us online within minutes!
Buy your International Travel Insurance policy from Digit starting from just ₹225 for over 150+ countries.
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Disclaimer -
Your policy is subjected to terms and conditions mentioned in your policy schedule and policy wording. Please go through the documents carefully.
The information mentioned here about the countries, visa fees and others is taken from different sources. Digit Insurance is not promoting or recommending anything here. Please verify the same before you book your tickets, apply for a visa, buy a travel policy or make any other decision.
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